Car consumption loan common sense 2004-8-19 Source: What is car consumption credit? That is, the renminbi secured loan issued by the borrower for the purchase of the car is provided; it is a guaranteed loan to pay a guarantee loan from the payer's one-time payment of the car, and joint insurance, and the notarization body provides insurance and notarization for the car. What is a mortgage loan, which property can be collateral? The mortgage person prescribed by the "Guarantee Law" as the loan of the borrower or the third-person property as the collateral. Property that can be collateral includes: the mortgus has the right to dominate the property and other land; the mortgotes have obtained national land use rights according to law; other property recognized by the lender. After the lender is signed with the mortgage contract, the two sides must handle the registration of collateral in accordance with relevant laws. The mortgage contract is taken into force from the date of collateral registration, and the borrower has also terminated all the loans. After the mortgage is set, all the insurance documents (original) and collations of the mortgage item (original) and the mortgage of the mortgage is kept by the lender and the custody responsibility. What is pledge, which things can be ousted? Pledge loans refer to loans that lenders shall be distributed by the loan or third-person dynamic or rights according to the "guarantee method". It can be used as a pledge containing: the national treasury coupons (except for special provisions of the state), national key construction bonds, financial bonds, AAA-level corporate bonds, savings deposit orders such as securities. The proactive person should hand over and lenders. The "Pledge Contract" has taken effect on the date of rights and vouchers. With personal savings deposit, the identification certificate of open households should be provided and proof of stop payment. What is guaranteed loans, guaranteeing what responsibility? Guarantee the loan refers to the loan of the borrower by the borrower if the lender is guaranteed by the "Guarantee". When the borrower cannot repay the loan principal, the loans issued according to the regulations shall be borne. Guarantees the loan guarantee for the borrowing guarantee to ensure that the full-contained responsibility guarantee is guaranteed, that is, the loan principal and interest specified in the loan contract and the relevant fees caused by the loan contract. Guarantees must also bear all joint civil liabilities triggered by the loan contract. Can I pick up the car on the spot? The installment payment, distributors and banks need to have a credit investigation process, so it is generally not a car on the spot. Furthermore, the car is different from other commodities, but it needs to handle insurance, evidence and check-up cards, which is more complicated, and it is generally required to be completed after the application is available. All Copyright Reserved by xi
